Osceola County property record for 3543 Sanctuary Dr, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,832 sqft · built 2006 |
| Lot Size | 0.037 acres (1,611 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Jun 2026) |
| Tax Bill | $2,635 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-26-30-0058-0001-0170 |
| Primary APN | 15-26-30-0058-0001-0170 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,832 sqft Living Area |
| Gross Area | 2,198 sqft |
| 1st Floor Area | 824 sqft |
| Upper Floors Area | 1,008 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,611 sqft (0.037 acres) |
| Lot Dimensions | 58 ft deep x 28 ft wide |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 86 sqft |
| Patio Area | 108 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3543 SANCTUARY DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-7125 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR3 |
| Legal Description | SANCTUARY AT SOUTH TOWN PB 18 PG 119 LOT 17 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | SANCTUARY AT SOUTH TOWN |
| Legal Tract | 58 |
| Legal Block | 170 |
| Legal Lot Number | 17 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 43208 |
Source: Osceola County records · APN 15-26-30-0058-0001-0170
Assessment roll updated November 26, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3543 SANCTUARY DR, SAINT CLOUD, FL 34769-7125 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 08, 2026 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Aug 31, 2020 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Oct 06, 2017 | Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 08, 2026 · Amount on Record |
| Deed Sale | Jun 08, 2026 · Amount on Record |
| Prior Sale | Aug 31, 2020 · Amount on Record |
| Deed Document Number | 202674703 |
| Deed Book / Page | 6984 / 121 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 08, 2026 |
| Property Address | 3543 SANCTUARY DR, SAINT CLOUD, FL 34769-7125 |
| Document Number | 0000074703 |
| Book / Page | 6984 / 121 |
| Instrument Date | Jun 04, 2026 |
| Instrument | 202674703 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2026 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190,890.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3543 SANCTUARY DR, SAINT CLOUD, FL 34769-7125 |
| Document Number | 0000074704, |
|---|---|
| Date | Jun 08, 2026 |
| Instrument | 202674704 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 31, 2020 |
| Property Address | 3543 SANCTUARY DR, SAINT CLOUD, FL 34769-7125 |
| Document Number | 0057840244 |
| Book / Page | 5784 / 244 |
| Map Reference | MB 18 PG 119 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 2020114886 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,466.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2882 BERKSHIRE CIR, 2882, KISSIMMEE, FL 34743-5656 |
| Name | Verified Name |
|---|---|
| Address | 3543 SANCTUARY DR, SAINT CLOUD, FL 34769-7125 |
| Investor | Possibly a Property Investor |
| Document Number | 0005784245 |
|---|---|
| Date | Aug 31, 2020 |
| Instrument | 5784/245 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 06, 2017 |
| Property Address | 3543 SANCTUARY DR, SAINT CLOUD, FL 34769-7125 |
| Document Number | 0052200522 |
| Book / Page | 5220 / 0522 |
| Map Reference | MB18 PG119 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 2017143643 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | OLIVER TITLE LAW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 702 NE 9TH AVE, 702, POMPANO BEACH, FL 33060-6516 |
| Name | Verified Name |
|---|---|
| Address | 3543 SANCTUARY DR, SAINT CLOUD, FL 34769-7125 |
| Document Number | 0052200524 |
|---|---|
| Date | Oct 06, 2017 |
| Instrument | 5220/0524 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,635.00 (+6.59%) Homeowner's exemption | $190,137 (+5.99%) | $245,000 (+9.42%) Land $40,000 Building $205,000 |
| 2023 | $2,472.00 (+3.91%) Homeowner's exemption | $179,398 (+3%) | $223,900 (+12.46%) Land $14,900 Building $209,000 |
| 2022 | $2,379.00 Homeowner's exemption | $174,173 | $199,100 Land $14,900 Building $184,200 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 25 in force |
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Lumen Technologies, Xfinity.
Based on FCC filings for 288 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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